@Anonymous wrote:
@Anonymous wrote:People there have advised to get three credit cards as quickly as possible. Granted, they also advised to keep them all at 0% and one at 1%-9% util while paying every month, but the consensus there is to quickly get three cards to build asap., But you guys seem to value growing one card's history at a time (i've heard the six month history on my first card from a few of you in this one thread).
Which is the right answer (and more importantly why?)The problem is that right now, for all but lower tier cards, you're likely to waste hard pulls on denials. There's nothing wrong with lower tier cards during the rebuilding phase but, unlike most rebuilders, your files are clean. By being patient and waiting a few months, you can be all prime.
This!!! Patience is a virtue. Your route appears to be like many others' which is:
Apply for a lot, get a lot approved with low CL, get offended later on when you still get low CL.
If you wait, build up the trust and then apply merely a year later, your AAOA will be high, you'll probably get a few auto-CLI, some SP ones too and then when you apply, they give you the big CL's, what use is 10 cards under 2K when you can have 3 cards above 5K?
(I completely understand the use I'm just trying to make a point)
{The point is that it is messy and makes you appear to be a bigger risk}
Must garden until 2/1/2022 to hit my goal AAOA. 
@Anonymous wrote:There is no one right or wrong answer.
All of our credit journeys and profiles are different and constantly changing.
In the end you are the one who has to decide what will work best for you. Will you make mistakes? Sure. I make them all the time.
But you keep at it and keep learning and adjusting.
Best advice I've read on the boards yet. I would kudos you but I don't know how (hint..hint).
Next to the post hit the rectangle with the star in it.
Do I get Kudos too? 
@Anonymous wrote:There is no one right or wrong answer.
All of our credit journeys and profiles are different and constantly changing.
In the end you are the one who has to decide what will work best for you. Will you make mistakes? Sure. I make them all the time.
But you keep at it and keep learning and adjusting.
Best advice I've read on the boards yet. I would kudos you but I don't know how (hint..hint).
Do you see a little star below your avatar ? just click on it and you will give Kudos ...just gave you one and you should see something else than a 0 now next to your little star
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:People there have advised to get three credit cards as quickly as possible. Granted, they also advised to keep them all at 0% and one at 1%-9% util while paying every month, but the consensus there is to quickly get three cards to build asap., But you guys seem to value growing one card's history at a time (i've heard the six month history on my first card from a few of you in this one thread).
Which is the right answer (and more importantly why?)The problem is that right now, for all but lower tier cards, you're likely to waste hard pulls on denials. There's nothing wrong with lower tier cards during the rebuilding phase but, unlike most rebuilders, your files are clean. By being patient and waiting a few months, you can be all prime.
Interesting. That's actually a really good way to look at this. No sense in wasting inquiries on a card i don't need. In the grand scheme of things six months is a really short amount of time for something that is going to be with me for decades.
+1 yes exactly. Since you mentioned the 0 balance reporting. With 1 card please do NOT report 0 balance but 1-9% ..Fico likes that better 
and you want to please Fico ..lol
@SecretAzure wrote:
@Anonymous wrote:There is no one right or wrong answer.
All of our credit journeys and profiles are different and constantly changing.
In the end you are the one who has to decide what will work best for you. Will you make mistakes? Sure. I make them all the time.
But you keep at it and keep learning and adjusting.
Best advice I've read on the boards yet. I would kudos you but I don't know how (hint..hint).
Next to the post hit the rectangle with the star in it.
Do I get Kudos too?
Yes.